Cambridge Financial Solutions

Non bank funding for major projects

We can provide non bank funding best in class solutions for the following ;

* Property Development
* Land Subdivisions and land banking
* Refinancing existing land banking and property development
* Commercial shopping centres
* 1st Mortgage security
* 2nd Mortgage security
* Pref equity for shortfalls

Terms up to 36 months
Capitalised interest or non capitalised interest paid monthly ( subject to lending criteria )
Max LVR up to 80% ( depending on project and pre sales )
Minimum presale or no pre sale requirements depending on size of projects

Loan amount from $5m to $200m

Please direct message me for further information or call on 0416 882 705 or email [email protected]

Home - Cambridge Financial Solutions Melbourne-based Tax Financial Advisers, Financial Planners and Finance Brokers specialising in Lending, Wealth Creation, Retirement Planning, Estate Planning and Property Advice across Australia.

Want to grow your investment portfolio but have most of your wealth tied up in your family home? You may be able to leverage recent gains in the property market as equity for an investment property. Let’s take a look. 👀

How to buy an investment property using your home’s equity - Cambridge Financial Solutions Want to grow your investment portfolio but have most of your wealth tied up in your family home? You may be able to leverage recent gains in the property market...

🤨 What assistance is available for first home buyers? 🤨⁣
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Saving up to buy your first home is no mean feat. 😅⁣
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Fortunately, there’s a few schemes and options that can help you get your foot in the door. 🥾⁣
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Pick from:⁣
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✅ The Home Guarantee Scheme: buy with just a 5% deposit and no LMI.⁣
✅ First Home Owner Grants: worth up to $10,000 in many (but not all) states.⁣
✅ Stamp duty concessions or exemptions: available in most states.⁣
✅ The First Home Super Saver Scheme: grow a deposit in super^.⁣
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Even better, you can mix and match the different schemes above to help fast-track your first home purchase.⁣
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Talk to us to find out about the first home buyer schemes you could tap into. 👇⁣
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To find out more, DM us or contact Cambridge Financial Solutions on:

☎ – 0416 882 705
💻 – [email protected]

🚨 Investor alert: rental property claims on the ATO radar 🚨⁣
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Landlords, look out! 😮⁣
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The Australian Tax Office is warning that rental property claims are under the spotlight this year. 🔦⁣
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It follows a review showing 9 out of 10 landlords are getting their tax returns wrong. 😬⁣
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So what do you have to watch out for in particular this year? 🤔⁣
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Repairs and maintenance costs will be closely reviewed. 🏚⁣
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The tax man will also be looking for inflated expenses to offset increased rental income. 🧐⁣
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If you think this might be the year to start using a tax agent, get in touch and we'll put you in touch with someone we trust. 👇⁣
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To find out more, DM us or contact Cambridge Financial Solutions on:

☎ – 0416 882 705
💻 – [email protected]

Your job can provide more than an income. When it comes to being approved for a home loan, certain roles can enjoy favourable treatment from lenders. Which jobs? Let’s take a look 🩺 👩🚒 👩🏫

Does your job come with home loan perks? - Cambridge Financial Solutions Your job can provide more than an income. When it comes to being approved for a home loan, certain roles can enjoy favourable treatment from lenders. So today we’ll look...

🤔 What happened to the predicted 2024 rate cuts? 🤔⁣
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Interest rates don’t look like heading south any time soon. 🙃⁣
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It’s all thanks to inflation, which is sitting stubbornly just above the Reserve Bank’s target range of 2-3%*.⁣
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Chances are we won’t see any cash rate cuts for home loans until at least early 2025 (and some pundits are now saying a hike might now come before a cut). 😤⁣
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But don’t let that stop you from taking action of your own. 👍⁣
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We’re still seeing a big difference in rates across lenders.⁣
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Better still, rising property values may mean you’re in a great position to refinance. 👇⁣
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To find out more, DM us or contact Cambridge Financial Solutions on:

☎ – 0416 882 705
💻 – [email protected]

🧐 What does buying a home ‘subject to finance’ mean? 🧐⁣
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Seen a place you love but not sure if you’ll get a home loan? 🤔⁣
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Making an offer ‘subject to finance’ can buy valuable breathing space. 👍⁣
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It means you could walk away from a purchase with your deposit intact if you can’t land a home loan. ⁣
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The catch? 🎣⁣
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The seller doesn’t have to go along with a sale that’s subject to finance - and there's a reasonable chance they won't if you're buying in a seller's market. 🙃⁣
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Another option you can consider is lining up home loan pre-approval before making an offer on a property. 🙌⁣
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If you'd like to find out more about pre-approval, call us today. 👇⁣
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To find out more, DM us or contact Cambridge Financial Solutions on:

☎ – 0416 882 705
💻 – [email protected]

A cost of living crunch is driving a new trend among renters – and it’s changing the wish lists of some property investors. We reveal what’s happening across the rental and investment markets. 🏡

Why multi-bedroom homes could be appealing for investors - Cambridge Financial Solutions A cost of living crunch is driving a new trend among renters – and it’s changing the wish lists of some property investors. We reveal what’s happening across the rental...

🚙 What are the most popular cars to buy right now? 🚙⁣
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🛻 Ford Ranger remained king of the road in May with 5,912 sales, followed closely by the Toyota HiLux (5,702) and Toyota RAV4 (5,517), according to FCAI statistics.⁣
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🚗 Toyota was market leader in May with 23,389 sales, followed by Ford (8,806), Mazda (8,002), Kia (7,504) and Hyundai (6,495).⁣
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🔋 Almost one-in-four cars sold in May was either an electric vehicle (8.1% of sales) or hybrid vehicle (15.8%)⁣
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Itching for a new car but not quite sure how to fund the purchase? ⁣
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Call us today to discuss your vehicle finance options. 👇⁣
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To find out more, DM us or contact Cambridge Financial Solutions on:

☎ – 0416 882 705
💻 – [email protected]

🚩 Five red flags home buyers might want to avoid 🚩⁣
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Looking to buy a home? 🏡⁣
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Here are five red flags that might catch a lender's attention and see you knocked back from your next home loan application. 😤⁣
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💻 Job hopping – lenders love stability. Sometimes it's safer to stick with your current job.⁣
💳 Card churning – frequently switching and applying for credit cards can damage your credit score.⁣
🙃 Running late with repayments – this will likely show up on your credit record.⁣
💸 Unpaid debts – no surprise that this won’t go down well with a lender.⁣
📝 Making multiple home loan applications – questions will be asked. Like whether (and why) you’ve been turned down by other banks.⁣
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Call us for help on getting your next home loan application across the line. 👇⁣
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To find out more, DM us or contact Cambridge Financial Solutions on:

☎ – 0416 882 705
💻 – [email protected]

Kiwis hoping to buy a first home in Australia have just scored gold! The popular Aussie 5% deposit home buying scheme has been opened up to visa holders from across the Tasman. 🥇 🇳🇿 🇦🇺 🏡

Low deposit scheme opens up to New Zealander visa holders - Cambridge Financial Solutions Kiwis hoping to buy a first home in Australia have just scored gold! The popular Aussie low-deposit home buying scheme has been opened up to visa holders from across the...

👍 Are you paying a fair price for your new home? 👍⁣
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Housing affordability is tough enough as it is right now. 🙃⁣
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Who wants to then overpay for a home? 😅⁣
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Research is one way to try and figure out if you’re paying market value. 🤓⁣
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Websites like Domain and realestate.com.au show median values for individual suburbs - and also have recent sales you can compare against.⁣
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You can then drill down further by looking at:⁣
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🏡 The size of the block⁣
🛁 The number of bedrooms/bathrooms⁣
🏚 The condition of a home⁣
🚗 Extras like off-street parking that add convenience plus value.⁣
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Talk to us about loan pre-approval too. It shows you’re a serious buyer during price negotiations. 👇⁣
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To find out more, DM us or contact Cambridge Financial Solutions on:

☎ – 0416 882 705
💻 – [email protected]

📉 How the cash rate impacts your home loan 📈

Why do RBA rate decisions attract so much attention? 🚨

Because they shape the home loan rates we pay.

Think of it this way. 🧐

The cash rate is the interest rate banks pay when they borrow from each other, something they do surprisingly often, sometimes daily.

Banks can also borrow funds from the RBA at a little above the cash rate.

If a lender has to pay the cash rate to borrow money, it’s a no-brainer they’re going to charge a higher rate to consumers. 🙃

It’s how banks make money.

That’s why if the cash rate rises, your variable home loan rate usually rises too. 📈

Like to know if you’re paying a competitive rate? Call us today for a a loan health check. 👇

To find out more, DM us or contact Cambridge Financial Solutions on:

☎ – 0416 882 705
💻 – [email protected]

Scared to apply for a home loan? You’re not alone. Fear of rejection has stopped one in five Aussies from applying for finance over the past year. We explain what’s driving this fear, and how you can boost your chances of getting approved. 🏡

Is fear of rejection holding you back from your life goals? - Cambridge Financial Solutions Scared to apply for a home loan? You’re not alone. Fear of rejection has stopped one in five Aussies from applying for finance over the past year. We explain what’s...

🏡 Know anyone who'd like to buy their first home sooner? 🏡

With national property prices surging almost 9% over the past year (CoreLogic), saving a 20% deposit is like chasing moving goal posts. 🏉

But the federal government's low deposit scheme has now helped over 150,000 first home buyers get a foot into the property market sooner. 😮

Known as the Home Guarantee Scheme, it lets you buy with just a 5% deposit and not pay lenders mortgage insurance. 🤙

It’s already helped 156,000 first home buyers into a place of their own.

And it could help you too. 🤜 🤛

But places are limited - and they've just opened up a new allocation of spots for this financial year.

Give us a call today to find out if you’re eligible. 👇

To find out more, DM us or contact Cambridge Financial Solutions on:

☎ – 0416 882 705
💻 – [email protected]

📈 Why are rates on investment loans often higher? 📈

Investors are piling back into the property market, according to latest ABS figures.

If you've recently thought about buying an investment property, it can come as a surprise to find investment loans usually come with higher interest rates than owner occupier loans. 🙃

That’s because banks often see investment lending as higher risk. 😤

But there are ways to try and trim the cost.

Having a bigger deposit could see you qualify for a lower rate. Investment loans can also be eligible for certain tax benefits. 👍

Get in touch today and we'll help line you up with an investment loan with a competitive rate. 👇

To find out more, DM us or contact Cambridge Financial Solutions on:

☎ – 0416 882 705
💻 – [email protected]

As property prices hit record highs across a number of cities, it’s no surprise that new home loan balances are also nudging towards fresh peaks. Today we’ll reveal what the ‘average’ new home loan is in your state, and provide you with some handy tips to help bring down your balance sooner. 🏡

How much could you expect to borrow for a home in 2024? - Cambridge Financial Solutions As property prices hit record highs across a number of cities, it’s no surprise that new home loan balances are also nudging towards fresh peaks. Today we’ll reveal what the...

🤔 How much could you save by refinancing? 🤔

With cost of living pressures biting, refinancing could be a way to help you save. 💰

The RBA reports the average variable rate is currently 6.39%.

And that's just the average - many mortgage holders are paying much more and don't even know it. 🙈

Meanwhile, we're seeing some lenders offering variable rates between the 6.1% to 6.2% mark.

So, for example, if you refinanced a $600,000 home loan on a 6.69% variable interest rate down to 6.19% (30-year term, principal and interest), you could save almost $200 per month.

Want to find out if you could save on interest by refinancing? 😁

Talk to us to find out if you’re eligible – and if so, how much you could save. 👇

To find out more, DM us or contact Cambridge Financial Solutions on:

☎ – 0416 882 705
💻 – [email protected]

🤔 What happens if you buy before you sell? 🤔

Buy first? Or sell first? 🤨

It’s the classic conundrum for upgraders. 🙃

Thing is, you don’t have to wait for your old place to sell before buying - especially if the home of your dreams comes onto the market.

A bridging loan can span the funding gap while you wait for your current home to sell. 😎

The interest rates can be higher than a standard home loan. 😒

But on the plus side, bridging loans are usually interest-only, which can help make the cost more manageable. 🙂

So if you've bought before you've sold, and are starting to worry, get in touch with us today to find out if a bridging loan is suitable for you. 👇

To find out more, DM us or contact Cambridge Financial Solutions on:

☎ – 0416 882 705
💻 – [email protected]

The new financial year has kicked off with a bang for first home buyers! A whopping 45,000 more places have opened up for them under the Home Guarantee Scheme, as well as 5,000 more spots for single parents. Here’s how it could help you buy a home sooner. 🏡

50,000 low-deposit spots open for first home buyers and single parents - Cambridge Financial Solutions The new financial year has kicked off with a bang for first home buyers! A whopping 45,000 more places have opened up for them under the Home Guarantee Scheme, as...

💪 Has your borrowing power just received a boost? 💪

Stage 3 tax cuts kicked in on 1 July. 🙌

That doesn't just mean you might be paying less tax - it also means you might now be able to borrow more for a home loan. 😮

For a single person on an income of $100,000, the Stage 3 tax cuts could add an extra $21,000 to their borrowing power, according to a RateCity analysis.

A couple with a combined annual income of $150,000 could see their borrowing capacity jump by almost $30,000. 🤜 🤛

It’s an uptick that can see you buy a home sooner, or afford a better place in a better suburb. 🏡

To find out if you've received a boost to your borrowing capacity, give us a call today. 👇

To find out more, DM us or contact Cambridge Financial Solutions on:

☎ – 0416 882 705
💻 – [email protected]

🤓 Why three-in-four Aussies turn to a broker for home loan help 🤓

Latest industry figures show that 74.1% of homebuyers turn to a broker for home loan help (and that figure has been steadily increasing!). 📈

Here are three ways you could benefit from the support of a mortgage broker with your next property purchase.

✅ We can help guide the way: we can act as a trusted guide to help you navigate the complex process of buying a home with confidence.

✅ We work in your best interest: we are bound by a Best Interests Duty, which means we are required by law to always put your best interests first.

✅ We’re here for the long term: You and your home loan are likely to be together for a while. And we’ll be right there with you, providing regular home loan reviews.

To find out more, DM us or contact Cambridge Financial Solutions on:

☎ – 0416 882 705
💻 – [email protected]

Property prices are expected to keep climbing higher through to mid-2025 – though not everywhere, according to a new report. We reveal where prices are tipped to go up, and where prices are expected to fall. 🏡

Will home prices keep rising over the next year? - Cambridge Financial Solutions Property prices are expected to keep climbing higher through to mid-2025 – though not everywhere, according to a new report. We reveal where prices are tipped to go up, and...

🔨 How do construction loans work? 🔨⁣⁣
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Instead of receiving a lump sum from the lender, a construction loan drip feeds funds in line with various stages of the project, including:⁣⁣
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✅ Laying the slab⁣⁣
✅ Erecting the frame⁣⁣
✅ Reaching lock-up⁣⁣
✅ Fitting out your home⁣⁣
✅ Completion of construction.⁣⁣
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This arrangement offers some valuable advantages. 😁⁣⁣
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Loan interest is only calculated on the funds drawn down, not on the total value of the loan. And during the construction period, you’ll generally be asked to make interest-only payments.⁣⁣
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Once your new home or renovation is complete, your construction loan will typically roll into a regular home loan. 🏡⁣⁣
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So if you’re looking to build or renovate, talk to us today about your funding options and we’ll aim to help you get the ball rolling on your construction project sooner. 👇⁣⁣
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To find out more, DM us or contact Cambridge Financial Solutions on:

☎ – 0416 882 705
💻 – [email protected]

🦅 Lending to property investors is soaring once more 🦅⁣⁣
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The value of new investment loans in February 2024 was 21.5% compared to a year ago, according to ABS data. ⁣⁣
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What’s driving investor interest? 🤔⁣⁣
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✅ Vacancy rates at a record low 0.7% (Domain data)⁣⁣
✅ Expetions of a possible rate cut later this year⁣⁣
✅ A jump in listings giving investors more choice (SQM research).⁣⁣
✅ Potential tax savings of negative gearing (seek your accountant/financial planner's advice).⁣⁣
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Ready to become a property investor yourself?⁣⁣
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Talk to us today about the investment loan that matches your needs. 👇⁣⁣
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To find out more, DM us or contact Cambridge Financial Solutions on:

☎ – 0416 882 705
💻 – [email protected]

Put the party pies on ice and postpone those rate-cut celebrations. The much-touted rate cuts we’ve been waiting for may not arrive until 2025. Here’s why rates could be staying higher for longer, and how to take action yourself. 🏡

Rate cuts? Pencil them in for 2025 - Cambridge Financial Solutions Put the party pies on ice and postpone those rate-cut celebrations for a while yet. The much-touted rate cuts we’ve been waiting for may not arrive until 2025. Here’s why...

💪 How does your home loan rate shape up? 💪⁣⁣
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Your home loan may have had a red hot rate back in the day. 🙌⁣⁣
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But is it still competitive? 🤔⁣⁣
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One in five borrowers haven’t compared rates since first taking out their loan (Mozo report).⁣⁣
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Keeping on top of your loan rate doesn't need to be difficult though. 🙃⁣⁣
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Talk to us about a home loan review. 🙌⁣⁣
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It lets you know if your loan is still getting a good rate – with all the features and flexibility you need. 👇⁣⁣
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To find out more, DM us or contact Cambridge Financial Solutions on:

☎ – 0416 882 705
💻 – [email protected]

⏳ How long does it really take to get a home loan? ⏳⁣⁣
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As soon as you pay a deposit on a home, the clock is ticking to line up a home loan. ⏰⁣⁣
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Finance (or cash 😅) is required by settlement, or you could cop costly fees and penalties. 😬⁣⁣
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As a rule, try and allow around 4-6 weeks to land a loan. ⁣⁣
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There’s plenty you can do however to help speed up the process:⁣⁣
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✅ Talk to us to know if your finances are home-loan ready⁣⁣
✅ Have the paperwork in place that lenders like to see⁣⁣
✅ Check you’ve completed the loan application accurately⁣⁣
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Ask us about loan pre-approval too. It can be a lot less stressful than applying for a loan after you’ve paid a deposit. 👇⁣⁣
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To find out more, DM us or contact Cambridge Financial Solutions on:

☎ – 0416 882 705
💻 – [email protected]

Fresh air, no bumper-to-bumper traffic and more affordable home prices. There’s plenty of appeal in regional living, including a chance to potentially reduce your home loan. 🏡

Is a tree or sea change on your horizon? - Cambridge Financial Solutions Fresh air, no bumper-to-bumper traffic and more affordable home prices. There’s plenty of appeal in regional living, including a chance to potentially reduce your home loan. The classic tune ‘Home...

🤨 Is FOMO, FOBO or FOOP clouding your judgement? 🤨⁣⁣
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Three common mind traps can get between you and your property goals. 🏡⁣⁣
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Fear of Missing Out (FOMO) is the most famous of the trio and can lead to overpaying (and thus, taking on too much debt), as buyers race into the market to buy before prices potentially rise higher. 📈⁣⁣
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Fear of Better Options (FOBO), on the other hand, can see buyers waiting on the sidelines for too long (or indefinitely!) for a better property to come along. ⏰⁣⁣
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Fear of Over Paying (FOOP) can also be a big mental block. But plenty of research can let you know if you’re paying a fair price. 👍⁣⁣
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If you've got doubts about what you can afford to buy, speak to us today and we'll help you assess your borrowing capacity. 👇⁣⁣
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To find out more, DM us or contact Cambridge Financial Solutions on:

☎ – 0416 882 705
💻 – [email protected]